Description: Discussion of ways direct marketers have beaten recessions in the recent past and suggestions for beating this recession.

Description: This is an article about the sales process for long-term care insurance.

Description: A health actuary describes her journey as a parent of a child with medical needs, and the complexities associated with navigating the health insurance industry.

Description: The medical scheme approach adopted by several African countries has failed to meet the needs of those in informal employment and rural communities. This is partly due to affordability amongst these individuals as well as a lack of awareness of how healthcare financing products work. Community based healthcare organisations have achieved greater levels of success in this regard by carefully incorporating the peculiarities of communities in benefit design and involving community members in the management of these healthcare solutions. There are lessons to be garnered from the countries where these have been implemented with some level of success. Even as countries aim towards universal health coverage, observing the unique needs of different communities within a country is essential to ensure resources are utilised efficiently and that healthcare needs are targeted effectively.

Description: The author discusses the Genetic Information Nondiscrimination Act of 2008 GINA and its ultimate effect on the long-term care industry in general, and on current and future insureds, specifically.

Description: Article focusing on the current and future state of health insurance in the U.S.

Description: The article discusses the sustainability of the ACA individual market from a public entitlement standpoint. A key point of measuring sustainability is the reliance on market forces rather than federal budget constraints. The article explains why an actuarial viewpoint of sustainability is necessary to a greater extent than other public assistance and social insurance programs. The article challenges actuaries to be a bold, objective voice in a space that is full of opinionated but often uninformed viewpoints.

Description: This article discusses reasons why the Society of Actuaries is not vocal in expressing its opinion.

Description: The Stepping Stone issue 60, November 2015

Description: Understanding the true drivers of human behavior is essential if we are to capitalize on opportunities offered in a new era of personalized persuasion.